© 2018 Regions Bank.

THE IMPORTANCE OF SAVING

30 mins© 2018 Regions Bank.

© 2018 Regions Bank.

REGIONS NEXT STEP

This information is provided for educational and general marketing purposes only and should not be construed as a recommendation or suggestion as to the advisability of acquiring, holding or disposing of a particular investment, nor should it be construed as a suggestion or indication that the particular investment or investment course of action described herein is appropriate for any specific retirement investor. In providing this communication, Regions is not undertaking to provide impartial investment advice or to give advice in a fiduciary capacity.

This information should not be relied on or interpreted as accounting, financial planning, legal or tax advice. Regions encourages you to consult a professional concerning your specific situation and visit irs.gov for current tax rules.

© 2018 Regions Bank.

This information is provided for educational and general marketing purposes only and should not be construed as a recommendation or suggestion as to the advisability of acquiring, holding or disposing of a particular investment, nor should it be construed as a suggestion or indication that the particular investment or investment course of action described herein is appropriate for any specific retirement investor. In providing this communication, Regions is not undertaking to provide impartial investment advice or to give advice in a fiduciary capacity. This information should not be relied on or interpreted as accounting, financial planning, legal or tax advice. Regions encourages you to consult a professional concerning your specific situation and visit irs.gov for current tax rules.

© 2018 Regions Bank.

AGENDATODAY, WE WILL ANSWER THESE BIG QUESTIONS . . .

1. Why is it important to set a goal and save?

2. What can you do to help your money grow?

3. What options are there for saving (types of accounts)?

4. How can you create and implement a savings action plan?

5. What can you do to start saving now (money saving tips)?

© 2018 Regions Bank.© 2018 Regions Bank.

WHYSAVE?

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© 2018 Regions Bank.9 © 2018 Regions Bank.

GROWYOUR SAVINGS

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© 2018 Regions Bank.© 2018 Regions Bank.

DAILY MONTHLYANNUALLY

Interest is compounded

MONEY IN YOUR

ACCOUNT

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PICKING A SAVINGSACCOUNT

PREVIOUSLY PAID

INTEREST

You earn money on

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FINANCIAL GROWTH

THE RULE OF 72

72÷ 4.0%

18 years

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© 2018 Regions Bank.© 2018 Regions Bank.© 2018 Regions Bank.

© 2018 Regions Bank.

NAME THAT SAVINGS PRODUCT

CERTIFICATE OF DEPOSIT

MONEY MARKET

ACCOUNT

STATEMENT SAVINGS

ACCOUNT

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How do investments earn money?• Sell for more than

you paid

• Receive dividends and interest earnings

INVESTING

INVESTMENT IS A LONG-TERM SAVINGS OPTION FOR FUTURE INCOME OR FINANCIAL BENEFITS

© 2018 Regions Bank.

© 2018 Regions Bank.

SAVING FOR RETIREMENT

PAY OFF YOUR CREDIT CARD

BALANCES AND OTHER LOANS

START SAVING FOR RETIREMENT

AS SOON AS POSSIBLE

TRY TO REDUCE OR ELIMINATE

DEBT

CUT BACK ON UNNECESSARY

EXPENSES

© 2018 Regions Bank.18

SAVING FOR RETIREMENT

LONG-TERM GOALS

In an Individual Retirement Account (IRA) you deposit money into an account yourself

A 401(k) plan is a retirement savings plan established by an employer

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© 2018 Regions Bank.19191919

WAYS TO SAVE

WHAT CAN YOU DO THIS WEEK TO SAVE?

BUT I DON’T HAVE EXTRA MONEY TO SAVE. . .

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© 2018 Regions Bank.21

WAYS TO SAVE

WHAT CAN YOU DO THIS WEEK TO SAVE?

BUT I DON’T HAVE EXTRA MONEY TO SAVE. . .

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© 2018 Regions Bank.

FUEL YOUR SAVINGS

USE DIRECT DEPOSIT

PAY BILLS ON TIME

USE A BANK

KEEP MAKING MONTHLY PAYMENTS

ALWAYS TAKE FREE MONEY

JOIN INVESTMENT

CLUB

REINVEST DIVIDENDS

3-6 MONTHS CASH SAVINGS

SAVE CASH GIFTS

SAVE BONUS

SAVE CHANGE

SAVE TAX REFUND

AVOID DEBT

PAY OFF CREDIT CARDS AND LOANS

© 2018 Regions Bank.© 2018 Regions Bank.

CONGRATULATIONS

• A deeper understanding of why it’s important to set a goal and to save

• What you can do to help your money grow

• Saving options for long term, medium term, and long term goals

• A savings action plan and money saving tips to start today

Thank you.

TODAY, YOU WILL LEAVE WITH:

© 2018 Regions Bank.

MEETING YOUR FINANCIAL GOALS

Make an appointment with a Regions banker:• Call the Regions Green Line at 1-800-REGIONS• Go to regions.com and click “Make an Appointment”• Visit any Regions branch

Visit the Next Step Financial Learning Center for free, online interactive videos: Regions.com/learn

Use our online resources including articles, videos, and calculators: Regions.com/nextstep

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